Senior Manager - Credit Approver - Home Loans & Mortgage

Note: Preferred candidates only from Banks.

Principal Responsibilities:

- Ensure high portfolio quality for the product in the location, while maintaining excellent service levels (TAT) to the customer (both internal and external customers), with very low defects/reworks, and increasing efficiency of operations and vendor competence improvement

- Monitor and ensure very low defects on data entry as part of underwriting quality

- Adherence to the policy/process laid out by the Central team on all application being processed.

- Close monitoring on non-starters/Cheque bounce trends and knowing channels and their sourcing pattern.

- Giving Feedback to channels/Vendors on a monthly basis on their performance levels and taking corrective action to improve the efficiency of vendors.

- Audit compliance on all aspects stipulated by Head Office and regulatory compliance in the location

- Channel risk management by identifying and knowing all channels and identifying good and bad channels

- Interact closely with other functions such as Sales/Operations/Collections/Policy/Product etc. to ensure a smooth day to day functioning at the location

Required Skills and experience:

- Candidate should have an experience of 0-4 years in financial underwriting in Home loans and mortgage

- Candidate should have good communication and negotiation skills

- Candidate should be high on analytical skills